Homeowners of America Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Homeowners of America Insurance Score
4.5 Stars
We award Homeowners of America a final insurance score of 4.5 out of 5 stars. The carrier has excellent ratings by both Demotech, Inc. and the Better Business Bureau (BBB). The insurance company is also BBB-accredited and has more than 20 years of experience behind it already.
Homeowners of America was founded in 2005 and is headquartered in Chicago, IL. The carrier offers several types of personal property insurance, including home insurance, condo insurance, and landlord insurance. Homeowners of America also offers many optional coverage endorsement options for customers, as well as numerous discounts to help reduce premium rates.
We also love that Homeowners of America makes customer service easy for policyholders. The carrier provides 24/7 claims reporting by phone, email, or online. Overall, if you're located in an area where policies are available, we highly recommend looking into the coverage offered by Homeowners of America with the help of your independent insurance agent.
Homeowners of America Insurance Company Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Homeowners of America Insurance Products by Type
Homeowners of America offers a wide selection of insurance products, including:
Home & Property Insurance:
- Homeowners insurance
- Condo insurance
Homeowners of America Homeowners Insurance
Homeowners of America offers all the coverage you could need in its standard home insurance policies, including dwelling coverage, other structures coverage, loss of use coverage, personal liability coverage, and medical payments coverage. The carrier also offers several optional coverage enhancements to increase your policy's protection, including the following.
Coverage types, features, and benefits:
Equipment breakdown
Homeowners of America offers an equipment breakdown endorsement that can help reimburse the policyholder for the cost of air conditioning systems, water heaters, hot tubs, pool equipment, and kitchen appliance breakdowns. This endorsement includes up to $100,000 for equipment breakdowns and up to $10,000 in food spoilage coverage for losses due to equipment breakdown.
Inland flood
Homeowners of America offers an inland flood endorsement for residents in low-to-moderate-risk flood zones. This coverage can help pay for damage and destruction to the dwelling, other structures, and contents, and includes additional coverage for additional living expenses and debris removal after a flood.
Pet coverage
Homeowners of America offers a pet coverage endorsement, which can cover the cost of kenneling a cat or dog if you are temporarily displaced from your home due to a covered event. This coverage can also pay for vet bills and burial expenses if your pet was injured or killed due to the damage to your home. Up to $500 in coverage is available.
Mortgage extra expense
Homeowners of America also offers an optional mortgage extra expense coverage endorsement, which can provide reimbursement for an increased monthly mortgage if your home must be rebuilt due to a covered loss. Coverage of up to $250 per month is available, with a total of $10,000 in coverage.
Homeowners of America Home Insurance Average Prices
Homeowners of America does not make information about its average home insurance premiums readily available. An independent insurance agent can provide you with exact quotes for Homeowners of America home insurance. You can also get a better idea of how much a homeowners insurance policy might cost you by using our home insurance calculator.
What Discounts Does Homeowners of America Offer?
Homeowners of America offers several competitive discounts on its coverage. Depending on where you live, you might be able to get many different home insurance discounts from the carrier, including the following:
Homeowners Insurance Discounts:
- New home discount
- Security features discount
- Gated community discount
- Advance quote discount
- VA loan discount
- Claims-free discount
- Smart-home technology discount
- Recent homebuyer discount
- Bundling discount
- Accredited home builder discount
Your independent insurance agent can help you find more information about the exact discounts offered by Homeowners of America and other ways to save money through the company. This will help you reduce your premiums as much as possible without sacrificing quality coverage.
Homeowners of America Insurance Customer Service
Homeowners of America offers online support, 24/7 phone customer service, and claims reporting. The carrier also provides the following customer service options:
- Phone
- Online claims reporting
- Snail mail
| Days | Hours | ||
| Monday-Friday | 24/7 | ||
| Saturday | 24/7 | ||
| Sunday | 24/7 |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Homeowners of America Insurance FAQs
Homeowners of America promises to contact customers ASAP after a claim has been filed.
Homeowners of America is available for customers 24/7 via phone, email, or online.
Homeowners of America breaks down its claims process in a few simple steps.
- Be safe: Homeowners of America instructs customers to stay safe after a loss, such as by filing a police report for theft or vandalism, and to avoid reentering a home after a fire or other severe damage.
- Report the property loss: Homeowners of America then instructs customers to contact the carrier either by phone, email, or online to report the loss and include as much detail as possible. Customers are encouraged to take photo evidence of the damage before making temporary repairs.
- Protect your property: Homeowners of America instructs customers to protect further damage by making temporary repairs, such as by boarding windows or covering roofs with a tarp. Customers are advised not to make any permanent repairs until after an adjuster visit.
- Keep a record: Homeowners of America instructs customers to save all receipts and invoices from temporary repairs and to make copies to give to the insurance adjuster.
- Determine your damages: Homeowners of America instructs customers to document all damaged property with photos, brand names, manufacturers, purchase dates, and prices. Customers are urged not to throw anything away until after an insurance adjuster performs an inspection.
- Stay informed: Homeowners of America encourages customers to contact their agents with any further questions about their coverage or what they can expect from claims reimbursement.
If customers have additional questions about filing or the claims process itself, they can contact the carrier via phone, online, email, or get in touch with their independent insurance agents.
Homeowners of America's official website is highly intuitive and easy to navigate. The carrier provides a lot of information about its claims process and provides several options for claims reporting. The insurance company offers 24/7 customer service and online claims reporting, which makes for an overall excellent, user-friendly experience.
Homeowners of America has an "A" or exceptional rating for financial stability from Demotech, Inc. It also has an "A+" or excellent overall rating by the BBB. The carrier offers several types of personal insurance and numerous discount options for customers to keep rates low. Overall, Homeowners of America can certainly be considered a good insurance company.
Homeowners of America's insurance products may be right for individuals seeking various types of property insurance, such as home, condo, or landlord insurance. The carrier also provides flood insurance. However, coverage is not available in every state. Currently, the carrier's home insurance is offered in 22 states across the U.S.
https://hoaic.com/
https://www.demotech.com/company/12536/
https://www.bbb.org/us/tx/irving/profile/homeowners-insurance/homeowners-of-america-insurance-co-0875-90251346
https://www.nerdwallet.com/insurance/homeowners/homeowners-of-america-home-insurance-review